1. The land nature of resettlement houses belongs to allocation. If you don't have a property right certificate, you can borrow money, but the lender must have a stable occupation and income, a good credit status and the ability to repay the principal and interest of the loan. The age is between 18 and 60 years old.
2. If the previous house is the owner's own house and the property certificate issued by the resettlement house is also the owner's, you can trade with the property certificate and naturally apply for a loan. If the house is sold or mortgaged without a property right certificate, it will be considered illegal according to the Measures for the Administration of Real Estate, but the Bureau of Land and Housing does not participate in the ruling.
3. If the previous house is a public house and the tenant is rented, you can't transfer the house or apply for a loan; If it is a public house, the owner has purchased it from the unit, and the property certificate of the resettlement house is the owner's own name, which can be transferred or applied for a loan.
4. Have permanent residence or valid residence status in all urban areas of this Municipality.
5 have a stable professional income, good credit and the ability to repay the principal and interest of the loan.
6. The applicant must hold a valid real estate license for resettlement houses.
7. The applicant must purchase self-occupied housing, the nature of the land is state-owned residential land, and agree to use all the property rights of the purchased housing as loan collateral.
8. The applicant shall make a down payment of not less than 20% of the total house price.
Second, how to borrow mortgage loans for resettlement houses?
The subjectivity of law: 1. Can the resettlement house be mortgaged? The land nature of resettlement houses belongs to allocation. If you don't have a title certificate, you can get a loan. If the resettlement house is an insurance policy, the bank will not accept it as collateral, so it cannot make a mortgage loan. 2. Resettlement houses are big property rights, and they can borrow from banks. There is no problem with provident fund loans. 3. The mortgage loan for resettlement houses also needs certain conditions: a natural person who has reached the age of 18 and has full capacity for civil conduct; Have a stable career and income, good credit and repayment ability; Other conditions stipulated by the bank. Second, can the sale of resettlement houses be legal? If the resettlement house is built on the leased land and has a real estate license, the sale of the house is legal. Resettlement housing is a kind of housing replacement compensation for residents. If you have a real estate license, you can change your registration and buy and sell freely. Article 209 of the Civil Code of People's Republic of China (PRC) establishes, changes, transfers and extinguishes the real right of immovable property, which shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. Natural resources owned by the state according to law may not be registered. Three. Procedures of mortgage loan for resettlement houses The procedures of mortgage loan for resettlement houses are as follows: 1. The borrower needs to prepare relevant materials, including real estate license, personal identity certificate, income certificate, residence certificate, etc. 2. After the information is ready, you can apply for a loan from a lending institution, which will review it. 3. After the approval, the bank will sign a loan contract with the borrower, and after signing, you can wait for the loan.
Legal objectivity: Article 5 of the Measures for the Administration of Individual Housing Loans must meet the following conditions at the same time: 1 Have permanent residence in cities and towns or valid residence status; Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest; Three, with the purchase of housing contracts or agreements; Four, no housing subsidies to not less than 30% of the total price of the purchased housing as the down payment; If there is a housing subsidy, 30% of the personal commitment is the down payment for the purchase; Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors; 6. Other conditions stipulated by the lender.
Third, how to mortgage the resettlement houses?
Personal mortgage loan, referred to as mortgage loan for short, the mortgage buyer fills in the mortgage loan application form to the loan bank and provides the proof documents that must be submitted according to the legal documents such as ID card, income certificate, house sales contract and guarantee. After passing the examination, the loan bank promises loans to the buyers, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract. Unlike ordinary loans, mortgage loans are not directly accepted by banks, and an intermediary guarantee institution is needed. I've done this before, and the procedure is not very troublesome. If you repay the loan within 5 years, you can apply for a comprehensive consumer loan directly from the bank. If you want to repay for more than 5 years, you must come forward for intermediary guarantee. First, it is easier to determine the completion date of your property after 90 years, but it was not easy to do it 90 years ago. Even if you can get a loan, it won't be much. It is not 654.38+00,000 yuan for a house to borrow 700,000 yuan. The credit department of each bank has its own appraisal agency, which generally accounts for 70% of the purchase price of your house. In other words, for a house with a price of 6.5438+0 million yuan, the loan amount is generally 65438+0.70%, with a maximum of 500,000 yuan.